$0 account minimum fees

$0 overdraft fees

$0 ATM transaction fees

When you need cash, you shouldn’t be charged for it—no matter where you are. Use any ATM worldwide that accepts Visa®, and we’ll reimburse you for any charges.2

$0 foreign transaction fees

Love to travel? So do we. Now you can spend money internationally without any separate side charges from SoFi.

Full transparency

We worked hard to make SoFi Money fee-free for all daily account activity. However, you may find that you need to do something above and beyond standard account activities that will incur a service charge.

Service charges

First Replacement Card

$0

Additional Replacement Card

$20

Replacement Card Rush Delivery

$25

Stop Payment Written Stop Payment Orders, and online stop payment notifications, are effective for six (6) months and must be renewed by the customer to continue to be effective for another six (6) months. If you issue a stop payment order orally and do not confirm it in writing (by mail or email), the stop payment order will lapse after 14 calendar days. See Preauthorized Payments in Account Agreement for further details.

$20

Statement & Research - Legal Processing Processing of any garnishment, tax levy, or other court or administrative order against your accounts, whether or not the funds are actually paid.

Account Opening

$0

Account Monthly

$0

Account Annual

$0

Foreign Transaction A foreign transaction (FX) fee is a surcharge on your bill that appears when you make a purchase that passes through a foreign bank or is in a currency other than the U.S. dollar (USD). SoFi Money account holders can spend money internationally without any separate charges from SoFi.

$0

Inactive Account If you have not called in, logged into, made a withdrawal, or a deposit to your SoFi Money account (“customer-generated activity”) for a period of twelve (12) months, your account will fall in to a status of inactive. No fee will be charged.

$0

Dormant Account If you have not called in, logged into, made a withdrawal, or a deposit to your SoFi Money account (“customer-generated activity”) for a period of twelve (12) months, your account will fall in to a status of inactive. No fee will be charged.

$0

Escheatment - Abandoned or Unclaimed Account Dormant accounts with no customer-generated activity are subject to escheatment procedures in accordance with the laws of the state in which you reside. For general information on the escheatment process, visit https://www.sec.gov/fast-answers/answersescheathtm.html.

$0

P2P Transfers Send money to anyone with a US-based bank account, SoFi Money or not, using our no-cost peer-to-peer (P2P) feature. If the person you’re sending money to also has a SoFi Money account, the transfer will be instant!

$0

Bill Pay

$0

Mobile Check Deposit

$0

Physical Checks

$0

Return Item SoFi may return items when your account does not have enough money.

$0

Overdraft While the SoFi Money account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the full payment may go through and result in a negative balance on your account, but SoFi will not charge you an overdraft fee.

$0

Point of Sale (POS) Transactions - Domestic/

International

$0

ATM Transactions - Domestic/International No SoFi fees when you use an ATM.

$0

Third Party ATM Transactions - Domestic/

International SoFi will reimburse your account for ATM fees incurred per calendar month, charged by ATM owners/operators. Additional surcharges by the ATM Network owner/operator may apply. We will calculate and apply the refund at the time of each transaction.

2SoFi doesn’t charge any ATM fees and will reimburse third-party ATM fees on accounts that meet one of the following monthly activity criteria: 1) direct deposits totaling $3,000 or more; OR, 2) qualifying debit card purchases totaling $500 or more. Total monthly debit card purchases are based on posted transactions for the calendar month, net of any refunds, returns, or similar credit, and does not include ATM withdrawals or other similar cash transactions. Please note, though SoFi doesn’t charge foreign transaction fees, there is a foreign exchange fee of 1% that is not waived. SoFi reserves the right to limit or revoke ATM reimbursements at any time without notice.

The SoFi Money Visa® debit card is issued by Wilmington Savings Fund Society. Visa is a registered trademark of Visa International Service Association and is used pursuant to a license from Visa U.S.A. Inc.